by Ed Hinerman | Sep 21, 2018 | cash value, indexed universal life, insurance, life insurance, universal life
The Wall Street Journal recently posted an article titled, “Universal Life Insurance, a 1980s Sensation, Has Backfired”. Now I have become keenly aware over the years that very few people really take my blog to heart unless the run into a post that is an...
by Ed Hinerman | Sep 13, 2018 | Covid-19, life insurance approval, prostate cancer, prostate cancer watchful waiting
I wrote the post below a few years ago and things have been changing, so here is an updated version of the information. The Way It’s Been I’ve written for years about the best underwriting and life insurance prices available for those with treated and...
by Ed Hinerman | May 2, 2018 | bait and switch, impaired risk life insurance, insurance quotes, life insurance, life insurance underwriting, Protective Life
I’ve had several questions about the new Protective Life offering of life insurance through Costco. One client emailed, “So, I wanted to run something by you. My husband and I were in Costco on Friday and they had an insurance booth set up. The company...
by Ed Hinerman | Apr 10, 2018 | business life insurance, CEO life insurance, Foreign National Life Insurance, insurance, life insurance, life insurance approval
I am still shaking my head over the news I got today from the last bastion of reasonable foreign national life insurance underwriting. Most US life insurance companies had gone south in this niche a few years ago, heading their life insurance guidelines for foreign...
by Ed Hinerman | Mar 29, 2018 | business life insurance, Ex Patriot life insurance, Foreign National Life Insurance, insurance, life insurance
The picture keeps getting brighter for the four categories of international and foreign national life insurance. The first is Americans living abroad, whether ex-patriots, missionaries or retirees. The second is foreign nationals living in the US who are still...
by Ed Hinerman | Feb 16, 2018 | business life insurance, buy/sell life insurance, CEO life insurance, HIV business life insurance, HIV life insurance, insurance, life insurance, life insurance approval
Having just placed a $9 million business life insurance key man policy, I can tell you that the welcome mat is out for those in business or for personal needs who have well controlled HIV. It’s no secret that being HIV+ has changed medically with, in many cases,...
by Ed Hinerman | Feb 13, 2018 | Foreign National Life Insurance, foreign nationals, high net worth, insurance, International Business insurance, life insurance
As requirements grow tighter with most US based life insurance companies we have one carrier who goes above and beyond to meet the life insurance needs of those who reside outside the United States, whether foreign nationals or ex-patriots. Virtually all other US life...
by Ed Hinerman | Feb 12, 2018 | appropriate life insurance recommendation, budget, business life insurance, CEO life insurance, Dave Ramsey, guarantee, insurance, life insurance, life insurance approval
They aren’t hiding in plain sight! They aren’t where you would expect to find them with the super giant on line life insurance agencies like Selectquote or Reliaquote. Selectquote says on their website that, “You’re just a few steps away from...
by Ed Hinerman | Feb 3, 2018 | business life insurance, CEO life insurance, clinical underwriting, Hep C Cure, HIV business life insurance, insurance, life insurance, life insurance approval, Type 1 diabetes
To say that the nature, the underwriting and the life insurance products have changed and changed remarkably over the last 10 years is an understatement. There is the old world of life insurance and now we are really, truly living in a new world and customers, both...
by Ed Hinerman | Jan 4, 2018 | approval, business life insurance, CEO life insurance, Hep C Cure, HIV business life insurance, HIV life insurance, indexed universal life, insurance, life insurance
2017 was a fantastic year for progress in life insurance underwriting. Business boomed for those companies bold enough to acknowledge and embrace major medical breakthroughs and the life insurance agents that represented those companies could finally announce fair...
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